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Cavalry Portfolio + BBB = Delete

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RobertEG
Legendary Contributor

Re: Cavalry Portfolio + BBB = Delete

First, the DV request was not timely, so it imposed no cease collection bar.

It could simply be ignored with no response.

 

Second, even had the DV request been timely, a DV does not impose any requirement to or period for sending validation.

They can choose to simply cease further collection on the debt without any response to a DV.

In the posted scenario, with the debt now paid, the debt collector clearly can no longer pursue collection, so could care less about whether there is a cease collectin bar.

The DV was thus meaningless, and assertion of a violation based on lack of a response is not based on any requirement of the statute.

 

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